Side-by-side · Q2 2026 data
Carolina Federal Credit Union vs Founders Federal Credit Union
Credit union
Carolina Federal Credit Union
Cherryville, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Carolina Federal Credit Union | Founders Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 56 | 86 (stronger) |
| Loan quality | 76 | 77 (stronger) |
| Earnings | 47 | 77 (stronger) |
| Funding & liquidity | 76 (stronger) | 66 |
| Problem-loan coverage | 86 | 91 (stronger) |
| Peer percentile | 30th | 86th |
| Total assets | $85.1M | $5.2B |
| Deposits / shares | $75.2M | $4.4B |
| Capital ratio | 10.58% | 13.62% (stronger) |
| Problem loans | 0.72% | 0.68% (stronger) |
| Net charge-offs | 0.43% (stronger) | 1.07% |
| Return on assets | 0.68% | 1.43% (stronger) |
| Loans ÷ deposits | 84.5% (stronger) | 94.2% |
| Uninsured deposits | 11.8% | 11.4% (stronger) |
| Offices | 1 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 26.2% |
Founders Federal Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Carolina Federal Credit Union leads on 2 and Founders Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.